MocaMoca - Safe and fast loan

3.9
355K reviews
5M+
Downloads
Content rating
Everyone
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About this app

MocaMoca is a top-notch digital app that aims to provide express cash credit services to Filipino individuals in great need. We want to embrace diversity and innovation where you can now get the amount you need and solve your problem instantly. You can enjoy our digitized service for your various needs such as personal, business, bill payments, medical, rents, etc. Our clients can now enjoy our service through our simplified application process. The best part is we only require 1 government ID to proceed with your application and no collateral is needed. Yes, we made it the most convenient process without the need of leaving your home. We ensure that all your transactions with us will be safe and secured as we strictly comply with our client’s profile confidentiality. A lot of people have tried and tested our service and we want you to experience a smooth and transparent transaction just like others. We want the best for you so what are you waiting for? Start your application now and get instant cash!

Benefits of choosing MocaMoca
Receive Instant cash
Paperless process and fast application 100% online
Safe and convenient
Several methods to receive money
No collateral needed
We only require 1 valid ID, around 10 types of cards are acceptable
Minimal fees and/or charges
Transparent transaction from application to repayment
You can monitor your account 24/7
We don’t tolerate harassment
Bigger offer for users with good credit history

Product introduction
Loan amount:
• Min ₱2,000
• Max ₱30,000
Loan Term:
• Min 180 days (shortest, including renewal)
• Max 360 days (longest, including renewal)
Fees and Charges:
• Annual Interest Rate (APR): Maximum interest rate is 10%
• Service Fee of 10% upon disbursement will be deducted. The service fee will solely depend on your profile evaluation.
• Other fees: There will be no other fees. Absolutely no hidden charges.

Note: Kindly comply and follow the repayment term and pay on time to avoid additional charges in your account. Maintaining a good credit history can increase your loan limit. We will appreciate your cooperation.

Loan case sample:
If you apply for a loan with a principle amount of ₱2,000, and the loan period is 180 days (6 months), the annual Interest rate (APR) is 10%, the one-time service fee is 10%, and other fees is 0, the you will need to pay:
Service fee: 2,000*10% = 200
Amount in hand: 2,000-200=1,800
Total interest fees: 2,000*10%*180/365=99
Total Payable Amount at due date: Loan amount + Interest Fee=2,000+99=2,099
Monthly repayment: 2,099/6=350

How to be qualified?
1. You should be a Filipino citizen with valid residence
2. Must have an active mobile number
3. Must have a valid government-issued ID

Initial loan application process:
1. Download MocaMoca in Google play.
2. Register an account using your mobile number.
3. Fill out the basic application forms
4. Select your desired disbursement methods and submit the application
5.Loan approved within 1 minute and money disbursed instantly
6.Repay your loan on time
7.Apply for a re-loan without filling out the forms again

Where can I pay my loan?
All you need to do is choose the most convenient repayment option from MocaMoca app.
• E-wallets: GCash/Paymaya/etc.
• Convenience stores in the Philippines: M Lhuillier/RD Pawnshop/7-11/etc.

Company Information
Company name: Copperstone Lending Inc.
SEC Registration No. 2021050012959-04
Registered Business Name: MocaMoca
CERTIFICATE OF AUTHORITY NO.3454
Note: Please study the terms and conditions of the Disclosure Statement before proceeding with the loan
Address:
The Penthouse, Marajo Tower, 26th st. Cor. 4th Ave. Bonifacio Global City 312 Metro Manila Fort Bonifacio, Taguig City, Fourth District, National Capital Region (NCR), 1634
Email: waltsongoods@hotmail.com
Updated on
Mar 19, 2024

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
No data shared with third parties
Learn more about how developers declare sharing
This app may collect these data types
Location, Personal info and 7 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

3.9
352K reviews
shyrel alsola
May 18, 2024
Not recommended. This lending app is asking for too many hidden charges. For example, you can see in the app that you can borrow 4,940 what you'll going to receive is only 3,000. The 1,940 is comprised of all fees they've included on your loan such as interest fee, service fee, platform fee, account management fee, and credit evaluation fee. If you're going to borrow, double think of it. Plus, you'll never be able to contact their customer service because it's always network error.
243 people found this review helpful
Jicel Bayubay
May 16, 2024
Cons: High Interest Rate: Charges are quite steep. Poor UI Navigation: The app design is not user-friendly and needs improvement. No Transaction History: Lack of transparency, making it hard to confirm payments. Unclear Loan Amounts: Difficult to track how much you’ve borrowed. Annoying Prompts: Frequent loan offers that can be accidentally accepted.
16 people found this review helpful
J.V. Sorongon
May 14, 2024
The service fee is excessively high. Unlike other apps that deduct the fee automatically from your borrowed amount, you’ll be surprised to find you owe twice what you borrowed, with only one or two weeks to repay. Avoid using this app; JuanHand is a better option.
17 people found this review helpful